International life insurance provider
Expat Insurance
Independent international life insurance broker
Independent broker for term and whole-of-life comparison. Benefit limits have to be confirmed with the insurer that issues the policy.
At a glance
- Provider type
- Independent international life insurance broker
- Global reach
- High
- Primary audience
- Expats and internationally mobile families
- Cover type
- Term and whole-of-life
- Portability
- Strong expat focus
- Beneficiary flexibility
- Flexible beneficiaries stated
- Currency options
- Product dependent
- Policy type
- Term and whole-of-life
- Critical illness / riders
- Carrier dependent
- Underwriting
- Carrier dependent
- Individual / group
- Individual, group also offered
- High-sum capability
- Confirm the insurer
- How to buy
- Broker
- Claims / servicing
- Broker support
- Pricing model
- Quotation based
What type of life insurance provider is this?
An independent broker comparing term and whole-of-life cover through international carriers. The broker’s summary is not the policy contract. The provider model affects which policies can be compared, who gives advice and which insurer ultimately underwrites the risk.
Who it may suit
Expat Insurance may be relevant to expats and internationally mobile families.
Where is the cover designed to be used?
High. This page does not say the same policy can be bought in every country.
Cover type
Term and whole-of-life comparison through international carriers.
Can the policy continue after relocation?
Strong expat focus. Confirm continuation with the issuing insurer. Tell the insurer if you change residence. Premiums, servicing and the issuing entity can change. A policy that continues is not the same thing as a new application being accepted in the new country.
Beneficiary options
Flexible beneficiaries are stated. A named beneficiary, payment through an estate, or ownership through a trust are different arrangements. Do not change ownership or beneficiaries for tax reasons without qualified legal and tax advice.
Policy and benefit currency
Provider and product dependent. Premium currency and benefit currency can differ from the currency a family spends. This page does not list currencies unless the provider states them.
Policy type
Both term and whole-of-life are stated. Term cover is for a defined period. Whole-of-life or permanent cover is designed differently. They should not be compared on premium alone.
Critical illness and additional benefits
Carrier dependent. A condition qualifies only if it meets the policy definition. This page does not say every rider is included.
How underwriting works
Underwriting applies and is carrier dependent. Age, health, occupation, residence, travel and the sum assured can change the terms. Nothing here is an acceptance.
Individual and group cover
Primarily individual. Business and group insurance is also offered.
High-value life insurance
Confirm the sum assured with the issuing insurer. This page does not publish a maximum. A larger sum assured does not guarantee acceptance.
How to buy
Broker.
Claims and ongoing servicing
Broker support. This page does not say a claim will be paid.
What changes a life insurance premium?
Pricing: Quotation based. This page does not publish a premium.
- Age
- Health
- Sum assured
- Term
- Residence
- Occupation
- Smoking
- Riders
- Currency
- Underwriting
Questions to ask
Ask Expat Insurance directly. This page does not answer these for a particular person.
Which countries can residents apply from?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Can my policy remain in force if I move?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Can I buy the same cover after relocating?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Is the policy term or whole-of-life?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Can I choose beneficiaries?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Can beneficiaries live in another country?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Can the policy be owned by a trust?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Which currencies are available?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Is critical illness available?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Is disability cover available?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
What medical underwriting is required?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Can you insure high sums?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Are there occupation restrictions?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Are there travel restrictions?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Which insurer underwrites the policy?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Which legal entity issues the policy?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Do you sell directly or through brokers?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Who helps with a claim?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Can premiums change?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Are there exclusions I should understand?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
What happens if I stop paying premiums?
Ask Expat Insurance directly. The answer depends on residence, the product and the insurer that underwrites it.
Sources and review
Reviewed 8 October 2026.
- Service page
The provider’s published service description used for this page.
- Provider page
A further public page from the provider. It does not mean WiT Access has an agreement.
Information is based on publicly available provider information reviewed by WiT Access. Policy availability, underwriting, benefit limits, portability, premiums, claims terms and geographic eligibility can change.